Farmers Trust & Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers Trust & Savings Bank of Buffalo Center, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.71% | 1.35% | +0.36% | 74th above |
| ROAE | 17.20% | 12.05% | +5.15% | 76th top |
| Net Interest Margin | 3.86% | 3.90% | -0.04% | 46th below |
| Efficiency Ratio | 57.45% | 63.15% | -5.70% | 62nd above |
| PPNR / Avg Assets | 1.78% | 1.64% | +0.14% | 61st above |
| Yield on Earning Assets | 5.76% | 5.65% | +0.11% | 57th above |
| Cost of Funds | 2.08% | 1.85% | +0.23% | 33rd below |
| Net Interest Spread | 3.03% | 3.35% | -0.32% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 86th top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) | 42223.08% | 1627.86% | +40595.22% | — |
| Texas Ratio | 0.49% | 7.15% | -6.66% | 80th top |
| Provision / NCO | 132.35% | 1189.84% | -1057.49% | 47th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.91% | 12.46% | -2.55% | 29th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.17% | 11.67% | -0.50% | 62nd above |
| TCE / Tangible Assets | 9.89% | 11.40% | -1.51% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.47% | 78.64% | +18.83% | 14th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.29% | 87.09% | +0.20% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.06% | 6.47% | +13.59% | 95th top |
| Loan Growth (Y/Y) | 15.31% | 7.64% | +7.67% | 86th top |
| Deposit Growth (Y/Y) | 24.59% | 6.02% | +18.57% | 96th top |
See Farmers Trust & Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers Trust & Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers Trust & Savings Bank profile, how to read a UBPR, or how this data updates.